Free Financial Calculators

Here are links to some useful free financial calculators for use in your business plan.

Starting Costs Calculator

What does it cost to start a business? This simple starting costs calculator can help you estimate. The money required includes the components shown here:

-expenses before the starting date, such as legal, design, etc.

-enough money in the bank (an asset) to support the company during the early months before sales reach break-even levels.

-other assets you need such as inventory, furniture, buildings and equipment.

Starting Costs Calculator

Cash Flow Calculator

Cash flow is critical, but not intuitive. Profits are not cash.

Use this calculator to experiment with factors affecting cash flow.

Amazing fact: many business failures are profitable when they go under. This cash flow calculator shows you how business-to-business sales, carrying inventory, and rapid growth can absorb a business' money. Change the variables and watch their impact on real business cash flow.

Cash Flow Calculator

Investor Offering Calculator

In the classic start-up situation, investors purchase a share of a new company for an amount of money. They look for return on investment, hoping to cash in when the company grows. How much they spend, and how much ownership they get in return, are both subject to negotiation. There are no easy rules or simple formulas. Investors weigh the risks of investing against the potential gain, using two classic financial formulas -- Net Present Value and Internal Rate of Return -- as a common basis for comparison. Use this tool to evaluate both sides of the table -- what the investor gets, and what the company gives up.

Investor Offering Calculator

Discounted Cash Flow Calculator

Analysts use discounted cash flow to explore the "time value of money." Essentially, money today is worth more than the same amount of money tomorrow. Double-click the variables and move the sliders horizontally to explore this concept.

Discounted Cash Flow Calculator

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